Urhulumente pensions ngaphesheya - Wakho Europe

Ixesha likhona, e-United kingdom luhlala epheleleyo ilungu EU kwaye amalungelo nezibophelelo zethu kuqhubeka ngokupheleleyo isicelo kwi-kwaye UK: uza kuba isicelo kwi-pension igunya kweli lizwe apho ukhe ubene abaphilileyo, okanye wawutyelele isebenzaUkuba ongazange isebenza kweli lizwe apho ngaba izinto eziphilayo, umququzeleli wakho eli lizwe liya phambili yakho ibango kwenye wawutyelele isebenza kuzo. Elo lizwe, ngoko ke, unoxanduva inkqubo yakho ibango kwaye izisa kunye iimbali yakho imirhumo ukusuka onke amazwe kufuneka isebenza kuzo. Kwamanye amazwe, i-pension igunya kumele kukuthumela yakho pension uxwebhu lwesicelo phambi kwenu khona ukuba eli lizwe ke umhlala-phantsi ubudala. Ukuba ufuna musa kuyifumana, khangela neqabane lakho pension igunya ukubona nokuba baya ngokuzenzekelayo thumela yona. Kufuneka ukucela ulwazi ekufumaneni yakho pension ubuncinane kwiinyanga ezintandathu phambi kokuba uthathe umhlala phantsi ngenxa esinzima pension ukusuka eziliqela amazwe kusenokuba elide nkqubo.

Ezi vary ukusuka kwelinye ilizwe ukuya kwelinye, kodwa kufuneka idla kufuneka kombane yakho yebhanki iinkcukacha kwaye abanye ifomu uchazo.

Uyakwazi kuphela kufumana yakho pension ukusuka kweli lizwe apho ngoku live (okanye yokugqibela isebenza) xa sele ufikile isemthethweni umhlala-phantsi ubudala, elo lizwe. Ukuba unayo accumulated pension amalungelo kwamanye amazwe, uya kwamkela kuphela abo iindawo ezithile yakho pension xa sele ufikile isemthethweni umhlala-phantsi ubudala, abo amazwe. Ngoko, ke, kubalulekile ukufumana phandle kwangaphambili, ukususela onke amazwe apho kufuneka isebenza, yintoni imeko yakho iya kuba ukuba utshintsha kumhla athe uqala ukufumana yakho umhlalaphantsi. Ungafumana ngakumbi iingcebiso ezivela afanelekileyo igunya kweli lizwe apho uhlala khona kwaye okanye kwi-amazwe apho kuwe isebenza. Caroline ukusuka France isebenza Edenmark kuba ishumi elinesihlanu leminyaka, ngoko waya emva France ngakulo end wakhe career. Xa yena waguqukela, yena isetyenziswe kuba yakhe pension, njengoko kubhaliwe amaxesha amaninzi kwi-France, kodwa kuphela onayo kakhulu elilungileyo eliphantsi omnye. Yena uya kufumana isidanish inxalenye xa yena ajongise inkqubo esemthethweni umhlala-phantsi ubudala, England kuba Caroline ke, eli qela. Kwezinye EU amazwe, kufuneka ube isebenza kuba ubuncinane isithuba sexesha ukuze ube unelungelo lokuba umhlalaphantsi.

Kwiindawo ezinjalo iimeko, i-pension linegunya ukuthatha kwi-akhawunti onke amathuba kuwe anayithathela isebenza ngamanye EU amazwe, njengoko ukuba nento yokuba sele besebenza elo lizwe onke noku, ukuhlola nokuba ngaba ukhe ubene anelungelo lokuba umhlalaphantsi (umthetho-siseko inkcazelo ka-amathuba).

Kwi-Germany, kufuneka ube isebenza kuba ubuncinane iminyaka emihlanu ukuze ube unelungelo lokuba umhlalaphantsi. Utom avume ngokuqhelekileyo bafanele kuba yesizwe pension scheme kwi-Germany njengoko kokuba isebenza apho kuba kuphela iminyaka emine. Nangona kunjalo, isijamani pension igunya kwafuneka lithathele ingqalelo iminyaka Utom isebenza kwi-Germany. Oko lunxulumano yakhe entitlement kwaye ukubhatala kuye umhlalaphantsi kuba emine isebenza kwi-Germany Ukuba wena igqunywe kuba ngaphantsi unyaka omnye kweli lizwe, okhethekileyo umthetho angenza isicelo, njengoko abanye EU amazwe musa ukunikezela umhlalaphantsi kuba elifutshane amathuba: yakho iinyanga ezi-inshorensi okanye indawo yokuhlala kweli lizwe apho kuwe isebenza ixeshana elifutshane ayisayi kulahleka kodwa kuthathelwe ingqalelo kwindlela yobalo yakho pension yi-amazwe apho kuwe isebenza ixesha elide. Ukuba unengxaki ukufumana intlawulo umhlalaphantsi kuba kakuhle amathuba ngaphantsi konyaka, qhagamshelana zethu uncedo iinkonzo kuba uncedo. Pension-mandla ngasinye EU kweli nani anayithathela isebenza kuzo ziya jonga imirhumo kuwe anayithathela ezibhatelweyo yabo yokusebenza, kangakanani kuwe anayithathela ihlawulwe kwamanye amazwe, kwaye ixesha elingakanani kuwe anayithathela isebenza ngendlela ezahlukeneyo amazwe. Ngamnye pension igunya uza ukubala yinxalenye pension kuya kufuneka ahlawule kuthathelwa ingqalelo amathuba igqityiwe kuzo zonke EU amazwe. Ukwenza njalo, uya yongeza kunye amathuba kuwe esikolweni kuzo zonke EU amazwe kwaye umsebenzi ngaphandle kangakanani pension onqwenela ukufumana kokuba wena negalelo kulo eyakhe scheme phezu lonke ixesha (ngokuba theoretical isixa-mali). Le mali iza ke kuba silungelelaniswa ukuze zibonakalise ukuthelekisa ixesha xa kwakukho ngameva elo lizwe (ngokuba pro-rata inzuzo). Ukuba ufuna bahlangana iimeko kuba entitlement kwi-national pension enoba na amathuba esikolweni ngamanye amazwe, i-pension igunya uza kanjalo ukubala i-national pension (eyaziwa njenge elizimeleyo inzuzo).

National igunya uya ke thelekisa le pro-rata inzuzo kwaye elizimeleyo inzuzo uza kufumana whichever kubaluleke kakhulu ukususela oko EU lizwe.

Ngamnye kweli lizwe ke isigqibo kwindlela yakho ibango iya kuba wachaza ngendlela ekhethekileyo qaphela, P ifomu, uza kufumana. Zombini amazwe isicelo ubuncinane isithuba seminyaka ishumi elinesihlanu leminyaka umsebenzi ukuze ube unelungelo umhlalaphantsi. Ngamnye kweli lizwe uya bala Rosa u-pension: I-Spanish igunya ayisayi ukubala i-national umhlalaphantsi ngenxa Rosa sele isebenza kwi-Spain ngaphantsi ubuncinane isithuba ezifunekayo. Iza kuphela ukubala EU-no umyinge - iqala nge theoretical isixa-mali, i-pension Rosa ange kokuba ukuba yena waba isebenza yonke iminyaka engamashumi amathathu kwi-Spain - masithi EUR omnye. Ngoko ke, kuya kwalatha pro-rata pension - inxalenye le mali eziya kuhlawulwa kuba iminyaka isebenza kwi-Spain: x kwiminyaka Spain amathathu eminyaka ewonke EUR. Ngamnye kweli lizwe ukuba izibonelelo uthatha umhlalaphantsi ngokubanzi akahlawuli ehambelanayo isixa-mali kwi nxowa yakho ilizwe yokuhlala - ukuba uphila ngaphakathi i-EU. Ukuba ufuna musa kuphila kwi-EU, ungafuna ukuvula i-akhawunti ebhankini ngasinye EU lizwe apho akahlawuli uthatha umhlalaphantsi. Imigaqo kukhankanywe ngasentla kanjalo isicelo ukubalwa invalidity pensions kwaye survivors' pensions Kubalulekile ukwazi ukuba.